I have two questions: Does anyone have a contact for someone with FUSA who can make a real decision? I want to settle the accounts, preferably with a "deletion of prior negative credit" clause. Between the three cards, we "owe" about $15,000.00 due to late charges, over-the-limit fees, usary interest rates, etc... What are the chances that they would try to come after me legally? I understand that it would cost them probably $10,000.00+ to do so. I'm not a deadbeat! I WANT to pay them a fair settlement and at the same time, I don't want them punishing me for years to come on my credit reports. Any help is greatly appreciated!!!